The rulings related to jewellery and items that have verses of the Quran, names of Almighty God, and also names of Ma'sumeen (a.s.) is that the script must not be touched unless one has wudhu', and that it is not contaminated with any najasah.
If you have a ring, or a pendant, or something that has such script on it, and you know you cannot avoid touching it, or it touching your skin and you might not be on wudhu', then one thing you can do is cover it with a layer of colourless see-through nailpolish.
With the layer over the script, you will not have a problem if you are not in wudhu', and you touch it, or it touches your skin.
As for when you go to the toilet, you do not necessarily need to remove the jewellery, as long as you keep it away from najasah. If you think it might be contaminated with any najasah, then it is wajib to remove it.
The five Ineffable greatest personalities (The Prophet (SAWA), Imam Ali (AS), Fatima (AS), Imam Hasan (AS) and Imam Husain (AS) have repeatedly said in many authentic Hadeeths that all the nine following Imams are Infallible. Believing in Hadeeth al-Kisa leads definitely to believing that what ever was said by the greatest Five is the absolute truth which is strong evidence that all the twelve Imams are Infallible.
Yes, it will be answered with out any doubt whether you recite in Arabic text or read the translation. Allah (SWT) knows our intentions and needs and He listens to every sincere believer who supplicates and seeks from him.
Quran is from Allah (SWT) and Du'a is from the Prophet (SAWA) and Ahlul Bayt (AS) and it is in Arabic for every Muslim to recite and supplicate whether he knows the exact meanings or not. There is no doubt that it is accepted by Allah (SWT).
Putting the Quran on our head then supplicating to Allah is narrated in authentic sources like the well known book known as Iqbal al-A'maal by Sayyid Ibn Tawoos narrating it from Imam Jafar Al-Sadiq (AS).
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